An elderly person’s slip-and-fall accident or an accusation of negligence could financially devastate your facility. Protect against medical bills and legal costs with insurance for senior centers.
These policies provide coverage for the most common risks of senior centers.
General liability insurance covers third-party risks, such as a senior tripping on a rug and breaking a hip. Bundle with property insurance for savings in a business owner’s policy.
A business owner's policy, or BOP, is a cost-effective way for senior centers to buy general liability insurance and commercial property insurance together.
This policy, also called errors and omissions insurance (E&O), can cover expenses if your senior center is sued for negligence, such as failure to supervise a client with dementia.
Directors and officers insurance (D&O) covers legal expenses if a board member or officer is sued for a decision made on behalf of your senior center that led to financial loss.
Most states require workers' compensation for senior centers that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
Commercial auto insurance provides coverage when an accident involving your senior center's vehicle leads to an injury or property damage.
With seniors, even a minor incident can lead to serious injury. It’s crucial to secure liability insurance for senior services, even if you operate as a nonprofit. Senior center insurance covers the costs of lawsuits and accidents that might otherwise put you out of business.